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How Do Insurance Companies Determine Pain & Suffering?


Injuries sustained because of another person usually mean you can seek compensation from the other party’s insurance company by filing a third-party claim. Once the defendant is deemed liable, you must present all evidence and damages so the insurance company can compensate you for lost wages, medical expenses, and more. However, did you know you can seek damages for the pain and suffering you have endured due to the injury? While pain and suffering may sound like a vague legal term that can mean a number of things, it is a very real way to seek compensation and is often awarded for people who have sustained serious injuries or otherwise.

Pain and suffering can be classified as the following, and more:

  • Emotional injuries
  • Mental injuries
  • Fear
  • Insomnia
  • Grief
  • Worry
  • Inconvenience
  • Loss of enjoyment

While there is no concrete way of how an insurance company is required to compensate for your pain and suffering, certain practices are generally accepted as standard, such as the multiplier method or the per diem method. The multiplier method takes the amount needed for medical bills and multiplies it by a number from 1 through 5, depending on the severity of the accident or injury. A deviation of this method takes into account the number of therapy sessions that an injured person has undergone. The per diem method suggests a certain amount of money be assigned every day, from the day of the injury until the plaintiff fully recovers. While insurance companies are not required to follow these particular formulas, the more evidence you have generally makes for larger damages paid for your pain and suffering. In fact, many insurance companies nowadays utilize computer programs which assess a totality of factors about your injuries and treatment to assign a range of pain and suffering valuation figures.

Contact Us for a Personal Injury Lawyer Who Will Fight for Your Pain & Suffering

If you have suffered an injury due to the fault of another person, you may be entitled to pain and suffering damages due to your emotional and mental state following the injury. Many people are unsure how to pursue these charges, which is why a skilled and experienced Schuykill County personal injury lawyer is essential in your pursuit of compensation.

Contact our team at Anthony Urban Law Offices, P.C. to learn more about how to pursue your pain and suffering claim by calling us at 888.268.0023.